EVPay Understanding Payment Failure Notifications
Introduction
A payment failure notification is issued by EVPay when an ACH payment has a "decline". Since ACH payments do not verify in real-time, they are assumed good unless rejected at the client's bank or by action of the client.
Payment Failure Notification
A payment failure notification will look like this:
In the "Failure Detail" section, you will see why the payment failed.
In this case, the "no account found" (R03) means that the client's bank does not have an account matching the information provided. This is a common ACH return type and is likely a mis-keyed account number. The invoice should be repaid by the client with updated banking information, likely the bank account number, but it could also be the account name that was used incorrectly by the client.
There are several reasons why payments can fail, usually in the form of ACH returns and rejects.
Outlined below are the most common ACH return codes:
| Code | Title |
| R01 | Insufficient funds |
| R02 | Account closed |
| R03 | No account / unable to locate account |
| R04 | Invalid account number structure |
| R29 | Corporate Customer Advises Not Authorized |
If there is a pending debit on your account, it likely represents the ACH processor reversing a deposit due to a return initiated by the client’s bank. To prevent issues such as rejections or potential holds on funds, ensure that the ACH ID from the processor’s “Retrieval Department” is whitelisted in your system, as outlined in previous documentation.
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